| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS | $32K | $0 | $32K | 0.85% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | KEYSTONE | $14K | $0 | $14K | 0.78% |
| THE COLUMBIA GROUP3 | UNKNOWN BALTIMORE, MD 21208 | DELTA DENTAL OF PENNSYLVANIA | $18K | $0 | $18K | 5.00% |
| ARYEH GROSS3 | 2833 SMITH AVENUE, SUITE 131 BALTIMORE, MD 21209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 9.16% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.73% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.31% |
| THE COLUMBIA GROUP3 | 600 REISTERSTOWN ROAD, SUITE 514 BALTIMORE, MD 21208 | VISION SERVICE PLAN | $6K | $0 | $6K | 10.00% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | VISION SERVICE PLAN | $3K | $0 | $3K | 5.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 728 | $5.6M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,175 | $355K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 728 | $3.9M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,541 | $328K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,541 | $328K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,541 | $328K |
| Prescription drug | KEYSTONE | 305 | $1.8M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,541 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,541 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.